Future Value Calculator

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Future Value Calculator

Future Value · Retirement Planner · Scenario Analysis

FV = PV × (1 + r)^n. Future Value tells you how much a sum of money grows over time at a given rate. Add regular contributions to model savings or investment portfolios, and see the real inflation-adjusted value alongside the nominal figure.

Core Inputs

Initial Lump Sum (PV)

Annual Rate of Return

Investment Period

years

Contributions

Periodic Contribution

Contribution Frequency

Annual Contribution Step-Up

%/yr

Adjustments

Inflation Rate

Annual Tax Drag on Returns

% (0 = tax-advantaged)

Compounding Frequency

Future Value

—

📈

Growth Summary

—

💰 Portfolio Composition at Year 20 —

Initial Investment

Total Contributions

Investment Returns

Nominal Future Value

—

Real Value (after inflation)

—

Initial Investment

—

Total Contributions

—

Total Returns Earned

—

Wealth Multiplier

—

Net Annual Return

—

Real Rate of Return

—

Rule of 72 (doubling)

—

Daily Interest Earned

—

📋 Year-by-Year Growth Schedule

Year	Contributions	Returns Earned	Balance	Real Value

🔮 Future Value Scenarios

If rate 2% higher:—

If rate 2% lower:—

If contributions doubled:—

If started 5 years earlier:—

PV needed today for same FV with no contributions:—

Future Value Insights

Plan your retirement with a two-phase model: accumulation (years saving) followed by drawdown (years spending). Calculates how much you need to save now, whether your corpus survives your retirement, and what monthly income it generates.

Your Profile

Current Age

Retirement Age

Life Expectancy

Accumulation Phase

Current Savings / Portfolio

Monthly Contribution

Expected Annual Return (pre-retirement)

Drawdown Phase

Monthly Retirement Spending

Annual Return (in retirement)

Inflation Rate

Projected Retirement Corpus

—

❤️

Retirement Status

—

🎯 Corpus vs Required Amount —

$0 — Required

—

Retirement Corpus

—

Monthly Income from Corpus

—

Corpus Survives Until Age

—

Years to Retirement

—

Years in Retirement

—

Corpus at Retirement

—

Required Corpus (4% rule)

—

Total Saved (contributions)

—

Growth from Returns

—

Monthly Surplus/Shortfall

—

Safe Withdrawal Rate

—

💰 How Your Corpus Was Built

🔮 Retirement Scenarios

If retiring 5 years later:—

If contribution doubled:—

Monthly contribution needed to hit required corpus:—

If spending reduced 20% in retirement:—

Corpus real value at retirement (inflation-adjusted):—

Retirement Planning Insights

Model Bull, Base, and Bear scenarios with customisable return assumptions for each. See the range of possible outcomes, probability-weighted expected value, and how time horizon changes the risk profile of your investment.

Base Investment

Initial Investment

Monthly Contribution

Investment Horizon

years

Scenario Return Assumptions

🚀 Bull Case Annual Return

📊 Base Case Annual Return

🐻 Bear Case Annual Return

Bull Case Probability

Base Case Probability

Inflation Rate

Probability-Weighted Expected Value

—

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Scenario Assessment

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🚀 Bull Case

—

📊 Base Case

—

🐻 Bear Case

—

Bull FV

—

Base FV

—

Bear FV

—

Expected Value (prob-weighted)

—

Bull vs Bear Range

—

Total Invested

—

Downside Risk (Base vs Bear)

—

Upside Potential (Bull vs Base)

—

📊 All Scenarios Across Multiple Time Horizons

🔮 Scenario Insights

Real value in best case (after inflation):—

Real value in worst case (after inflation):—

10-year horizon expected value:—

Minimum investment to reach $1M in base case:—

Years to $1M in each scenario:—

Scenario Analysis Insights

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